Home Insurance in Midland City, Alabama
With a median home value of $150,400, Midland City is close to the Dale County median.
The typical home in Midland City was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 2 points above Dale County's 13%.
In Midland City, the housing stock is 44% single-family homes, 23% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Midland City, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 26% of occupied homes in Midland City are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Midland City, 99% of homes are primarily heated with electricity.
FEMA rates Dale County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Dale County had 68 active NFIP flood policies as of September 2026. See the full Dale County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $150,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 26% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Dale County | 68 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)